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Ruth McCarthy

Manchester, United Kingdom

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Practice Areas:

  • Commercial Property
  • Commercial Property, Finance and Development
  • Commercial Property, Residential Development

Ruth is a dynamic and commercially astute property lawyer. She joined berg in February 2016 to head up the Real Estate Team. Her breadth of knowledge and experience is extensive. Whilst her clients span a broad base (investors, developers, Landlords/Tenants, charities, pension funds), she is particularly specialist in property finance. She is well known for her work on bespoke and volume lending transactions for major UK banks, short-term funders and peer to peer (P2P) (or ‘crowd’) funders.

Ruth has built up a strong client following and her clients often describe her as ‘more than just a lawyer’. She invests time in getting to know her clients and their businesses and tailors her advice to achieve the best outcomes. She is also able to bring ‘real business’ experience to her clients, having worked ‘in-house’ for a P2P lender. She is energetic and motivated and goes that ‘extra mile’ in order to deliver the very best client service she can.

Previous Employment

Slater Heelis2001 - 2003

Trainee Solicitor

Slater Heelis2003 - 2005


Slater Heelis2005 - 2008


Slater Heelis2008 - 2009


Linder Myers LLP2010 - 2013

Partner and Head of Real Estate

Gunnercooke LLP 2013 - 2015

Partner, Real Estate


Property Finance

Acting for borrowers and lenders in connection with

  • new lending facilities or the renewal of existing facilities
  • refinances
  • mezzanine finance
  • development finance
  • security reviews/appointment of LPA Receivers
  • intercreditor/priority arrangements
  • preparation/review of facility/security documentation

Recent transactions/achievements:

  • Acting in connection with the £38 million refinance of a steel manufacturing company, having 13 UK sites across the UK
  • Acting in connection with an £18 million refinance of a door manufacturing company.
  • Completing a £10 million refinance of a multi-site ground rent fund.
  • Establishing and managing the property finance division within Gunnercooke LLP (real estate department)
  • Securing panel appointment for a major high street bank and establishing and managing a team undertaking volume secured lending work (for that bank)
  • Acting for a P2P lender and establishing and managing a team undertaking volume secured lending work (for that lender)
  • Acting in connection with £50 million complex forward funding arrangements for institutional lenders active within the healthcare sector


  • Acting for landowners and developers in connection with:

Promotion Agreements


Conditional Contracts

Joint Ventures

Forward Funding Agreements

  • Set-up of development schemes (residential, commercial and mixed use)
  • Acquisition and disposal of ‘turn-key’ care home/assisted living schemes
  • Acting in connection with the master planning/redevelopment of farmland/’estates’
  • Hotel acquisition and redevelopment


Recent transactions:

  • Disposal of a £25M ‘turn-key’ student accommodation scheme
  • Acting in the acquisition, estate set up and sale of a 12.8 acre retail scheme (involving high street retailers and institutional investors)
  • Acting in the acquisition of a city centre site for redevelopment as student accommodation (498 units with associated retail space and gymnasium)

Landlord & Tenant/Investment

  • Portfolio management for large retail and leisure chains
  • Leading sale and leaseback and large scale lease renewal programs for private equity companies
  • Asset management and disposal of both commercial and residential property interests on behalf of multi-site owning PLCs


Manchester Metropolitan


2012 - 2013

Post graduate certificate in law firm management


Manchester Metropolitan

2000 - 2001

Legal Practice Course (LPC) : Distinction


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